Cheaper 1998 Mercedes-Benz C-Class Insurance Quotes

Comparing and finding cheaper rates for car insurance is hard for drivers not familiar with buying insurance online. With a ridiculous number of insurance companies available, it can quickly become a lot of work to find the best price.

You should make it a habit to shop coverage around at least once a year because insurance prices are variable and change quite frequently. Even if you think you had the lowest quotes on C-Class coverage six months ago you may be paying too much now. There is lot of inaccurate information about car insurance on the web, but we’re going to give you some great ways to stop overpaying for insurance.

Free insurance coverage quotes

When comparison shopping, there are several ways to get quotes from many insurance coverage companies in your state. The fastest way to find competitive 1998 Mercedes-Benz C-Class insurance rates is to get quotes online. It is quite easy and can be accomplished using a couple different methods.

  1. The first (and easiest) way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This easy form keeps you from doing separate quotes to each individual insurance coverage company. A single form gets rate comparisons from insurance coverage companies with the best prices. Just one form and you’re done.
  2. A less efficient way to analyze rates is to manually visit the website of each company and fill out their own quote form. For examples sake, we’ll assume you want to compare Allstate, 21st Century and GMAC. You would have to take the time to go to each site to enter the same coverage data repeatedly, which is not fast way to get rate quotes.

    To view a list of companies in your area, click here.

  3. The final method to find cheaper rates is making phone calls or going to and from local insurance agencies. The ability to quote online has reduced the need for local agents unless you have a complicated situation and need the guidance that you can only get from talking to an agent. Although you can comparison shop your insurance online but have your policy serviced through an agent.

Whichever method you choose, compare equivalent coverages and limits for every quote you compare. If you compare differing limits it’s impossible to truly determine the lowest rate. Having just a slight variation in insurance coverages could throw off the whole comparison. Keep in mind that making a lot of price comparisons provides better odds of finding a better price.

Discount insurance quotes

Companies do not list all disounts in a way that’s easy to find, so the list below details both the well known and also the more inconspicuous ways to save on insurance. If you are not receiving all the discounts available, you may be paying too high a price.

  • Defensive Driver Discounts – Taking part in a course teaching driver safety skills could earn you a small percentage discount and easily recoup the cost of the course.
  • Membership in Organizations – Being a member of a qualifying organization can get you a small discount on your next insurance statement.
  • Data Collection Discounts – Policyholders that allow driving data collection to track where and when they drive by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they show good driving skills.
  • Bundle and Save – If you can combine your auto and homeowners policy with one company you may save nearly 15% which can help you find the cheapest auto insurance.
  • Student Discounts – Getting good grades can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.
  • Air Bags and Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings of up to 25% or more.

Keep in mind that many deductions do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, you aren’t that lucky. But any discount should definitely cut the amount you pay for coverage.

To locate insurance companies who offer online insurance quotes, click here.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions can help discover whether you might need an agent’s assistance.

  • What is UM/UIM insurance?
  • Should I buy full coverage?
  • Do I pay less for low miles?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when delivering products for my home-based business?
  • Should I buy additional glass protection?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered if I hit my neighbor’s mailbox?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Insurance policy specifics

Learning about specific coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Mercedes-Benz C-Class.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a bird, damage from a tornado or hurricane, hail damage and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

This pays for damage to your C-Class caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a ditch, damaging your car on a curb, sideswiping another vehicle, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for liability

Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as emergency aid, attorney fees, loss of income and structural damage. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for X-ray expenses, hospital visits, rehabilitation expenses, doctor visits and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage